Have neighborhood guy mow lawn? Does not have business insurance

[Nicholas Morgan]

Hi Everyone. 

There's a young man in the neighborhood where I have a multifamily property who runs a small lawncare business on the side. He doesn't have business insurance. Have you ever had a neighborhood highschool/college kid mow your lawns or do you steer clear of that? I'm thinking the proper answer is to not have any contractor (including lawncare) work onsite without business insurance, but wanted to get some thoughts. Thanks!